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Latest filing: 2026-08-10 13:05
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Note: These are AI-generated, educational summaries of public NSE
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2 announcements match the current filters (relevance ≥ 5).
United Credit Q1 PAT drops 22.5% YoY to ₹19.38 Lakhs despite 5% Revenue growth
United Credit Ltd reported a Net Profit of ₹19.38 Lakhs for the quarter ended June 30, 2026, a 22.5% decline from ₹25.00 Lakhs in the same quarter last year. While Revenue from Operations grew 4.96% YoY to ₹77.86 Lakhs, profitability was squeezed by a 21.9% surge in total expenses, which rose to ₹58.69 Lakhs. The company's core financing activity contributed ₹63.27 Lakhs to revenue, while renting activity added ₹14.59 Lakhs. With a market cap of just ₹13 Cr, the quarterly revenue represents approximately 6% of its total valuation.
Confidence: HIGH
What changedThe company experienced a margin contraction in Q1 FY27, with net profit falling despite a marginal increase in top-line revenue.
Why it mattersFor a micro-cap NBFC with annual revenues of ~₹3 Cr, small fluctuations in operating expenses (up ₹10.56 Lakhs YoY) have a disproportionately large impact on shareholder returns and EPS.
Net Profit (Q1 FY27): ₹19.38 LakhsRevenue from Operations (Q1 FY27): ₹77.86 LakhsYoY Expense Increase: 21.9%EPS (Basic): ₹0.36Financing Segment Assets: ₹2099.08 Lakhs
📅 Short termThe stock may see negative sentiment in the short term due to the decline in quarterly profitability and EPS (₹0.36 vs ₹0.47 YoY).
📈 Long termLimited structural significance as the company remains a very small-scale NBFC with stagnant growth and high sensitivity to operating costs.
⚠ Risk flags
- Expense growth outpacing revenue growth
- Micro-cap liquidity risk
- Concentrated revenue streams
Key Highlights
Net Profit for Q1 FY27 decreased to ₹19.38 Lakhs from ₹25.00 Lakhs in Q1 FY26.
Total Revenue from operations increased to ₹77.86 Lakhs compared to ₹74.18 Lakhs in the year-ago period.
Total Expenses rose significantly to ₹58.69 Lakhs from ₹48.13 Lakhs YoY, driven by higher employee and other costs.
Financing segment assets stood at ₹2,099.08 Lakhs as of June 30, 2026.
The 55th Annual General Meeting is scheduled for September 28, 2026.
👀 What to Watch
Investors should monitor the rising expense trend which is currently outpacing revenue growth. The upcoming AGM on September 28, 2026, will be key to understanding management's strategy for scaling the financing book.
Rs 19.38 Lakhs Q1 PAT: United Credit Reports 22.5% YoY Profit Decline
United Credit Ltd reported a total income of Rs 83.14 Lakhs for Q1 FY27, a marginal 3.8% increase from Rs 80.05 Lakhs in Q1 FY26. However, Net Profit for the quarter fell by 22.5% YoY to Rs 19.38 Lakhs, down from Rs 25.00 Lakhs. This decline was primarily driven by a 27.9% increase in 'Other expenses', which rose to Rs 35.01 Lakhs. The company's core financing activity remains the dominant revenue contributor at Rs 63.27 Lakhs.
Confidence: HIGH
What changedThe company reported its Q1 FY27 financial results, showing a year-on-year decline in profitability despite stable revenue levels.
Why it mattersFor a micro-cap NBFC, small absolute changes in expenses (like the Rs 7.65 Lakhs increase in other expenses) have a disproportionate impact on EPS and investor returns.
Q1 FY27 Net Profit: Rs 19.38 LakhsYoY Profit Growth: -22.5%Q1 FY27 Total Income: Rs 83.14 LakhsFinancing Segment Revenue: Rs 63.27 LakhsMarket Cap: Rs 13 Cr
📅 Short termThe stock may face slight pressure due to the profit decline, though low trading volumes typical of micro-caps may limit immediate price discovery.
📈 Long termLimited structural significance as the company remains a small-scale NBFC with stagnant revenue growth and high sensitivity to operating costs.
⚠ Risk flags
- High expense volatility relative to small revenue base
- Micro-cap liquidity risk
- Declining YoY profitability
Key Highlights
Net Profit for Q1 FY27 declined to Rs 19.38 Lakhs from Rs 25.00 Lakhs in Q1 FY26.
Total Income grew slightly to Rs 83.14 Lakhs from Rs 80.05 Lakhs YoY.
Other expenses increased significantly to Rs 35.01 Lakhs from Rs 27.36 Lakhs in the previous year's quarter.
Financing Activity segment assets stood at Rs 20.99 Cr out of a total asset base of Rs 31.73 Cr.
The 55th Annual General Meeting (AGM) is scheduled for September 28, 2026.
👀 What to Watch
Investors should monitor the company's ability to control operating expenses, which significantly impacted the bottom line this quarter. Given the micro-cap nature (Rs 13 Cr market cap), focus on the growth of the financing book in upcoming quarters.
